Truro Long-Term Disability Lawyers
Find out if you have a case today.
Contact our Truro long-term disability lawyers for a free consultation if you have legal questions regarding your long-term disability claim.
Table of Contents
Published: September 9, 2021 | Last Reviewed: August 7, 2026
Disability benefits are designed to help workers whose physical injuries, chronic illnesses, and/or disabling mental health conditions make it impossible for them to continue carrying out the tasks of their job. Disability benefits could be available through an employer’s group insurance plan or through a privately held insurance policy, provided the respective plans include an appropriate level of coverage.
Different insurance policies provide different levels of coverage. They also have different definitions of what constitutes a disabling medical condition. Before submitting a claim for disability benefits, it might be advisable to review your insurance plan’s eligibility requirements to make sure your medical condition could qualify you to receive disability benefits.
Although eligibility requirements for disability benefits varies between policies, conditions that may make entitle an insurance policyholder to receive them often include:
- Heart disease
- Back problems
- Chronic pain or complex regional pain syndrome (CRPS)
- Lupus or Lyme disease
- Psoriatic arthritis or fibromyalgia
- Paralysis
- Depression
- Bipolar mood disorder
- Post-traumatic stress disorder (PTSD)
- And possibly more
Recipients of disability benefits receive monthly income replacement payments from their insurance provider. Generally speaking, the payments provided equal between 60-70% of a benefits recipient’s regular wages. Although disability benefits do not replace a recipient’s total regular salary, they often provide injured or ill workers with much-needed financial assistance during an extraordinarily difficult time in their lives. Unable to continue working in their chosen fields and unable to earn their regular incomes, severely injured and chronically ill individuals may experience overwhelming financial distress and develop legitimate anxieties about their abilities to support themselves and their families.
Sadly, insurance providers frequently find reasons to deny disability claims from policyholders who should be eligible to receive them. Policyholders or their employers pay monthly premiums to their insurance companies so that, in the event of a life-changing medical diagnosis, they will be able to rely on the funds to which they should be entitled. Unfortunately, even after submitting thorough medical evidence proving the severity of their condition and the impact it has on their ability to perform the duties of their jobs, policyholders often find themselves struggling to make ends meet after receiving an unfairly denied benefits claim.
If your claim for benefits was denied and the payments you should be entitled to were withheld, our disability lawyers serving Truro may be able to help. Our Truro disability lawyers have a history of standing up to unfair insurers and fighting on behalf of the clients we represent. If your claim was wrongfully denied, our disability lawyers serving Truro may be able to help you recover the income replacement payments you are rightfully owed, as well as any other damages resulting from your claim’s initial denial.
To review the details of your case and learn how our Truro disability lawyers may be able to help, schedule a free consultation by calling Preszler Injury Lawyers today.
Free Consultation for Truro Residents – We Don’t Get Paid Unless We Win
Our disability lawyers serving Truro work on a contingency-fee basis. That means, if your claim for benefits was unfairly denied even though the terms of your policy should entitle you to receive them, Preszler Injury Lawyers will not require any payment from you unless we win your case.
Preszler Injury Lawyers also offer a free initial consultation to all prospective clients. To learn about options for financial recovery that may be available to you, call our Truro disability benefits lawyers today and receive a free initial consultation.
Authored by Preszler Injury Lawyers
Personal Injury Law Firm
Preszler Injury Lawyers represents injured people across Ontario in personal injury matters, including motor vehicle accident claims, slip and fall claims, long-term disability claims, and institutional abuse claims.
Proudly Canadian
Award Winning Personal Injury Law Firm
We are proud to be one of Canada’s oldest and long-standing personal injury law firms. Since 1959, we have been providing exceptional legal services and have established ourselves as leading personal injury lawyers in the Canadian legal community. It’s not just the awards that recognize our achievements, but also the wins we’ve achieved for thousands of Canadians with their long-term disability claims.
Case Results
long-term disability Settlements
Please note that past results are not indicative of future results as each scenario presents itself with its unique set of circumstances. But here are some long-term disability related wins we’ve had for our clients.
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long-term disability FAQs
Here are some commonly asked questions for long-term disability claims
What should I do if my long-term disability claim is denied?
Review the denial letter and your disability policy, note every appeal and legal deadline, and request a complete copy of the insurer’s claim file. Continue receiving appropriate medical care and speak with a long-term disability lawyer before submitting an appeal. The reasons given for the denial will help determine what medical or vocational evidence may be needed.
Can I qualify for LTD benefits if my condition cannot be seen?
Yes. Long-term disability claims may involve depression, anxiety, chronic pain, fibromyalgia, post-traumatic stress disorder, or other conditions that are not visible. Approval depends on whether reliable medical and functional evidence shows that your symptoms prevent you from performing the work required under your policy’s definition of disability.
Should I appeal the denial directly to the insurance company?
An internal appeal may be appropriate, but it is not always the only—or best—option. Appeals can consume valuable time while a legal limitation period continues to run. Before appealing, a lawyer can review the policy, denial reasons, medical evidence, and deadlines and advise you on the available approaches.
How long do I have to challenge an LTD denial in Nova Scotia?
The deadline may come from the insurance policy, Nova Scotia legislation, or both, and in some cases it may be as short as one year. The starting date can also depend on when benefits were clearly denied or terminated. Do not assume that an internal appeal pauses the limitation period; obtain legal advice promptly after receiving a denial.
How much does it cost to hire a long-term disability lawyer?
The cost of hiring a long-term disability lawyer can depend on the claim and the fee arrangement offered. Preszler Injury Lawyers can review your situation during a free initial consultation and explain the available payment options, possible expenses, and when legal fees would become payable before you decide whether to proceed.
How can a long-term disability lawyer help with my claim?
A long-term disability lawyer can review your policy and denial letter, identify applicable deadlines, gather medical and vocational evidence, and challenge the insurer’s reasons for refusing or terminating benefits. Your lawyer can also advise whether to pursue an internal appeal or legal action and negotiate with the insurer on your behalf.
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